Blaze NFC mobile payments

ABSTRACT

A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of application Ser. No. 17/084,538filed Oct. 29, 2020 titled “ACQUIRING AN IDENTIFICATION CODE ASSOCIATEDWITH A USER IN AN NFC TRANSACTION” which is a continuation and claimspriority to application Ser. No. 14/253,648, filed Apr. 15, 2014 titled“REMOTE TRANSACTION PROCESSING OF AT A TRANSACTION SERVER” now U.S. Pat.No. 10,825,007 issued on Nov. 3, 2020 which is a continuation and claimspriority to application Ser. No. 13/736,056, filed Jan. 7, 2013, titled“REMOTE TRANSACTION PROCESSING USING A DEFAULT PAYMENT METHOD” now U.S.Pat. No. 8,694,380 issued on Apr. 8, 2014 which is a continuation andclaims priority to application Ser. No. 11/948,903, filed Nov. 30, 2007,titled “METHOD AND SYSTEM FOR CONDUCTING AN ONLINE PAYMENT TRANSACTIONUSING A MOBILE COMMUNICATION DEVICE”, now U.S. Pat. No. 8,352,323 issuedon Jan. 8, 2013 all of which are incorporated by reference herein intheir entirety.

FIELD OF INVENTION

The present invention relates to data communications and wirelessdevices.

BACKGROUND OF THE INVENTION

Mobile communication devices—e.g., cellular phones, personal digitalassistants, and the like—are increasingly being used to conduct paymenttransactions as described in U.S. patent application Ser. No.11/933,351, entitled “Method and System For Scheduling A BankingTransaction Through A Mobile Communication Device”, and U.S. patentapplication Ser. No. 11/467,441, entitled “Method and Apparatus ForCompleting A Transaction Using A Wireless Mobile Communication Channeland Another Communication Channel”, both of which are incorporatedherein by reference. Such payment transactions can include, for example,purchasing goods and/or services, bill payments, and transferring fundsbetween bank accounts.

BRIEF SUMMARY OF THE INVENTION

In general, this specification describes a method and system forconducting an online payment transaction through a point of sale device.The method includes receiving input from a user selecting an item forpurchase through the point of sale device; calculating a total purchaseamount for the item in response to a request from the user to purchasethe item; and sending payment authorization for the total purchaseamount from the point of sale device to a payment entity, in which thepayment authorization is sent to the payment entity via a mobilecommunication device of the user. The method further includes receivinga result of the payment authorization from the payment entity throughthe mobile communication device; and completing the payment transactionbased on the result of the payment authorization.

Particular implementations can include one or more of the followingfeatures. The point of sale device ran be a desktop computer, a laptopcomputer, or a terminal. The mobile communication device can be acellular phone, a wireless personal digital assistant (PDA), or a laptopcomputer. The cellular phone can be an NFC-enabled phone. Sendingpayment authorization for the total purchase amount from the point ofsale device to a payment entity can include sending the paymentauthorization securely to the payment entity. The payment entity can bea person, a computer system, or a bank. The method can further includemaintaining a shopping list on the mobile communication device of theuser, in which the shopping list includes a listing of one or more itemsto be purchased by the user. The payment authorization can be anauthorization for payment with a credit card, a debit card, or a prepaidcard.

The details of one or more implementations are set forth in theaccompanying drawings and the description below. Other features andadvantages will be apparent from the description and drawings, and fromthe claims.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 illustrates a block diagram of a communication system including awireless mobile communication device and a management server inaccordance with one implementation.

FIG. 2 illustrates one implementation of the wireless mobilecommunication device of FIG. 1.

FIG. 3 is a method for conducting a payment transaction using a point ofsale device in accordance with one implementation.

FIG. 4 illustrates a block diagram of a communication system including awireless mobile communication device and an online store in accordancewith one implementation.

FIG. 5 is a block diagram of a data processing system suitable forstoring and/or executing program code in accordance with oneimplementation.

Like reference symbols in the various drawings indicate like elements.

DETAILED DESCRIPTION OF THE INVENTION

FIG. 1 illustrates one implementation of a communication system 100. Thecommunication system 100 includes a hand-held, wireless mobilecommunication device 102 a point-of-sale device 104 and a managementserver 106. In one implementation, the mobile communication device 102includes a mobile application (discussed in greater detail below) thatpermits a user of the mobile communication device 102 to conduct paymenttransactions, Payment transactions can include, for example, usingcontactless payment technology at a retail merchant point of sale (e.g.,through point of sale device 104), using mobile/internet commerce (e.g.,purchase tickets and products, etc.), storage of payment information andother digital artifacts (e,g., receipts, tickets, coupons, etc.),storage of banking information (payment account numbers, security codes,PIN's, etc.), and accessing banking service (account balance, paymenthistory, bill pay, fund transfer, etc.), and so on. The mobilecommunication device 102 can be a cellular phone, a wireless personaldigital assistant (PDA), a laptop computer, or other wirelesscommunication device. The point of sale device 104 can be a desktopcomputer, laptop computer, terminal, or other device that is configuredto receive user input selecting items for purchase or other transaction.

In one implementation, authorizations for payment transactions that aremade through the point of sale device 104 are sent from the point ofsale device 104 to an issuer authorization (e.g., management server 106)through the mobile communication device 102 (as shown in FIG. 1). In oneimplementation, an issuer authorization is a payment entity that eitherapproves or disapproves a payment transaction. An issuer authorizationcan be, e.g., a person, computer system, bank (or other third party).One potential benefit of having payment authorizations flow through themobile communication device 102 is that sensitive user information (e.g.account numbers, pin numbers, and/or identity information) need only besent from the mobile communication device 102 directly to an issuerauthorization. Such operation reduces the potential for identity theftand/or fraudulent purchases made through a point of sale device. Forexample, (in one implementation) payment authorizations cannot be sentto an issuer authorization if the mobile communication device 102 isturned off.

FIG. 2 illustrates one implementation of the mobile communication device102. The mobile communication device 1.02 includes a mobile application200 that (in one implementation) is provided to the mobile communicationdevice 102 through a remote server (e.g., management server 106). In oneimplementation, the mobile application is a Mobile Wallet applicationavailable from Mobile Candy Dish, Inc., of Alameda, Calif. In oneimplementation, the mobile application is a hosted service, as describedin U.S. patent application Ser. No. 11/939,821, entitled “Method andSystem For Securing Transactions Made Through a Mobile CommunicationDevice”, which is incorporated herein by reference. In oneimplementation, the mobile application 200 is configured to sendrequests to the management server for artifacts based on user input,e.g., received though a keypad (not shown) of the mobile communicationdevice 102. Requests to the management server 106 can also be automated,via proximity-based services, e.g., consumer tapping (or in closeproximity) an LBS/contactless/RFID enabled phone against a smart poster(RFID/Bluetooth/LBS enabled, etc.), kiosk, or other device.

In one implementation, the mobile application 200 running on the mobilecommunication device 102 is configured to receive artifacts (e.g.,advertisements, receipts, tickets, coupons, media, content, and so on)from the management server 106. In one implementation, the managementserver 106 sends artifacts to the mobile application based on userprofile information and/or a transaction history (or payment trends)associated with a user of the mobile communication device 102 asdescribed in U.S. patent application Ser. No. 11/944,267, entitled“Method and System For Delivering Information To a Mobile CommunicationDevice Based On Consumer Transactions”, which is incorporated herein byreference.

In one implementation, the mobile communication device 102 is anNFC-enabled phone. The mobile communication device 102 can beNFC-enabled, for example, through an embedded chip or a sticker that isaffixed to the cellular phone, as described in U.S. application Ser. No.11/933,321, entitled “Method and System For Adapting a Wireless MobileCommunication Device For Wireless Transactions”, which is incorporatedherein by reference. In one implementation, the NFC chip (or sticker) onthe cellular phone can be used in conjunction with a merchant's point ofsale device as described in greater detail below.

For example, with reference to FIG. 4, in one implementation, the NFCchip (or sticker) on the cellular phone can communicate with NFC chipsthat are installed on the front of PC's (TV's, Kiosks, or any otherdevice) and serve as scanners/readers. In this implementation a mobilecandy dish applet (e.g., MCD POS plugin. 414) is installed on theconsumer's computer (e.g., PC 404) which interfaces with the NFC chip onthe PC. When a consumer (or user) is shopping online and they are readyto pay for their products, the consumer opens his mobile wallet andselects one of the payment methods (e.g., credit card debit card,prepaid card, etc.) from their mobile wallet. If a default card has beenselected already, this step is not necessary. The consumer then wavestheir phone over the NFC reader present on the PC 404. The consumer'spayment credentials are transferred from the phone to the merchantwebsite (e.g., online store application 410) using a communicationprotocol between the chip in the phone and the chip in the which can beradio frequency for example. If the consumer has coupons in their mobilewallet the consumer can either elect to manually apply the coupon, savethe coupon for a future use (against a larger purchase for example), orhave the coupon automatically applied during the transaction and thetransaction amount is updated. After the consumer enters any necessaryvalidation information (e.g., pin) to provide a multi-factorauthentication and confirms the transaction, the online purchase isprocessed as normal by the merchant's online processor. The mobilewallet can retrieve transaction data, account balance from themanagement server 408.

In one implementation, the mobile communication device 102 is a nonNFC-enabled phone. In this implementation, the consumer connects hisphone to the PC 404 via some non radio frequency method (e.g., IR,Bluetooth, USB cable, etc.). When a consumer is shopping online and theyare ready to pay for their products, the consumer opens his mobilewallet and selects one of the payment methods (e.g., credit card, debitcard, prepaid card, etc.) from their mobile wallet. If a default cardhas been selected already, this step is not necessary. The consumer thenpushes, e.g., a “Buy now” button and the consumer's payment credentialsare transferred from the phone to the merchant website (e.g., onlinestore application 410) using the protocol between the phone and the PC404 which can be radio frequency, for example. If the consumer hascoupons in their mobile wallet the consumer can either elect to manuallyapply the coupon, save the coupon for a future use, or have the couponautomatically applied during the transaction and the transaction amountis updated. After the consumer enters any necessary validationinformation. (e.g., pin) to provide multi-factor authentication andconfirms the transaction, the online purchase is processed as normal bythe merchant's online processor. The mobile wallet can retrievetransaction data and account balance from the management server 408.

In one implementation, the management server 408 and merchant portal(e.g., online store 408) are maintained by trusted parties and use anencrypted tunnel to transfer financial data. When the consumer is readyto pay for their online product, they enter their cell phone number onthe merchant portal. The merchant portal (which has an MCD applet (e.g.,MCD POS plugin 414) installed on its server) securely connects to themanagement server 408 (that in one implementation is maintained byMobile Candy Dish (MCD)). In one implementation, the management server408 identifies the consumer through their cell phone number, andverifies the consumer's authenticity by sending a unique transactioncode to the consumer mobile wallet on their cell phone. The consumerthen enters this unique transaction code onto the merchant's web portal.The merchant portal sends this transaction number to the managementserver 408 for authentication. Upon authentication, the consumer'svirtual wallet and payment methods (e.g., credit card, debit card,prepaid card, etc.) are securely retrieved from the management server408 and are displayed to the consumer in a window on a websiteassociated with the merchant portal. The consumer selects one of thesepayment methods to pay for their transaction. If a default card has beenselected already, this step is not necessary. If the consumer hascoupons in their mobile wallet the consumer can either elect to manuallyapply the coupon, save the coupon for a future use, or have the couponautomatically applied during the transaction and the transaction amountis updated. After the consumer enters any necessary validationinformation to provide a multi-factor authentication and confirms thetransaction, the online purchase is processed as normal by themerchant's online processor. The mobile wallet can retrieve transactiondata, account balance from the management server 408.

Referring to FIG. 2, in one implementation, the mobile application 200maintains a shopping list 202 for a consumer. Accordingly, consumershave the ability to store their shopping list in their mobile wallet andadd, delete, or change items on their shopping list either in offline oronline mode. In one implementation, consumers are sent coupons based onitems on their shopping list, preferences, previous shopping history,proximity to the physical retail store, or a combination of theseparameters, as discussed in application Ser. No. 11/944,267, which isincorporated by reference above. If the consumer has coupons in theirmobile wallet the consumer can either elect to manually apply thecoupon, save the coupon for a future use, or have the couponautomatically applied during the transaction and the transaction amountis updated. When a consumer wants to order the items on their shoppinglist via an on online merchant (in contrast to a physical retail store),the consumer can logon to the merchant portal and electronicallytransmit their shopping list to the merchant portal either by wavingtheir phone over NFC enabled PC's or some other connection such as IR,bluetooth, USB, or the like.

FIG. 3 illustrates a method 300 for conducting a payment transactionusing a point of sale device (e.g., point of sale device 104). Userinput is received selecting one or more items for purchase (e,g., at thepoint of sale device) (step 302). In general, the transaction being madeat the point of sale device can be any type of transaction that involvesthe exchange or transfer of funds—e.g., the transaction can be a paymenttransaction, a fund transfer, or other type of transaction. In responseto a request from the user to purchase the one or more items, a totalpurchase amount for the one or more items is calculated (e.g., by thepoint of sale device) (step 304). If the user has coupons in theirmobile wallet the user can either manually apply the coupon or have thecoupon automatically applied during the transaction and the transactionamount is updated. The user request to purchase an item can be received,e.g., by a user clicking on a “buy now” icon that is displayed on agraphical user interface of the point of sale device. Paymentauthorization for the total purchase amount is sent to a payment entitythrough a mobile communication device of the user (step 306). A resultof the payment authorization is received at the point of sale devicefrom the payment entity via the mobile communication device (step 308).The payment transaction is completed based on the result of the paymentauthorization (step 310). If the payment transaction was authorized bythe payment entity, then the sale of the items through the point of saledevice is completed. Otherwise, if the payment transaction was notauthorized by the payment entity, then the point of sale deviceterminates the payment transaction.

FIG. 4 illustrates an example payment transaction being made in acommunication system 400 in accordance with one implementation. Thecommunication system 400 includes a mobile communication device 402, apersonal computer (PC) 404, an online store 406, and a core (ordatastore) 408. As indicated by interaction (1), a user (or customer),using a phone (e.g., mobile communication device 402 or personalcomputer 404), browses an online store website (online store application410) and finds an item that the customer wishes to purchase. This couldalso be a purchase made through a midlet application (PUS midlet 412)residing on the mobile communication device 402. The user then goes to,e.g., a checkout of the online store 406 make a purchase. If the userhas coupons in their mobile wallet the user can either manually applythe coupon or have the coupon automatically applied during thetransaction and the transaction amount is updated. When it comes time toauthorize the purchase, (in one implementation) the user is given anoption to purchase with the mobile communication device 402. In oneimplementation, the mobile communication device 402 is an NFC-equippedphone (or NFC phone).

In interaction (2), when the user chooses to purchase with the mobilecommunication device 402, the online store application 410 sends thetransaction information for authorization to the POS vendor plugin(e.g., MCD POS plugin 414). In one implementation, the POS vendor pluginis installed in the merchant's online store and enables the merchant toaccepts MCD Blaze payments as an alternative form of payment, similar toaccepting credit cards for payment. As shown by interaction (3), the POSvendor plugin formats, encrypts, and cryptographically signs thepurchase authorization request which is sent via a secure SSL link(e.g., HTTPs, Bluetooth, IR, USB, or other suitable protocol)established by the browser/web application 416 back to the mobilecommunication device 402. As with the first scenario, all communicationsis over secure channels. (It may be required that the mobile walletapplication be opened prior to beginning a phone online purchase.) ThePOS midlet 412 is a component of the mobile wallet application thatexecutes PayPass or other payment authorization protocol between itselfand the SE payment applications on the mobile communication device 402(interaction (4)). The results of the request are sent back to the POSvendor plugin.

As shown by interaction (5), the POS midlet 412 then forwards theproperly formatted authorization request to a payment entity (e.g.,issuer authorization 418) for authorization. The results of the requestare then sent back to the POS component of the mobile wallet. Throughinteraction (6), the POS midlet 412 then forwards the results back tothe MCD POS plugin 414 to complete the purchase. The MCD POS plugin 414then forwards the purchase transaction information to the managementserver 408 for later customer viewing (interaction (7)). As indicated byinteraction (8), users (or customers) will then be able to query themanagement server 408 and immediately obtain purchase information,either by phone or PC.

One or more of method steps described above can be performed by one ormore programmable processors executing a computer program to performfunctions by operating on input data and generating output. Generally,the invention can take the form of an entirely hardware embodiment, anentirely software embodiment or an embodiment containing both hardwareand software elements. In one implementation, the invention isimplemented in software, which includes but is not limited to firmware,resident software, microcode, etc. Furthermore, the invention can takethe form of a computer program product accessible from a computer-usableor computer-readable medium providing program code for use by or inconnection with a computer or any instruction execution system. For thepurposes of this description, a computer-usable or computer readablemedium can be any apparatus that can contain, store, communicate,propagate, or transport the program for use by or in connection with theinstruction execution system, apparatus, or device. The medium can be anelectronic, magnetic, optical, electromagnetic, infrared, orsemiconductor system (or apparatus or device) or a propagation medium.Examples of a computer-readable medium include a semiconductor or solidstate memory, magnetic tape, a removable computer diskette, a randomaccess memory (RAM), a read-only memory (RUM), a rigid magnetic disk andan optical disk. Current examples of optical disks include compactdisk-read only memory (CD-ROM), compact disk read/write (CD-RIW) andDVD.

FIG. 5 illustrates a data processing system 500 suitable for storingand/or executing program code. Data processing system 500 includes aprocessor 502 coupled to memory elements 504A-B through a system bus506. In other implementations, data processing system 500 may includemore than one processor and each processor may be coupled directly orindirectly to one or more memory elements through a system bus. Memoryelements 504A-B can include local memory employed during actualexecution of the program code, bulk storage, and cache memories thatprovide temporary storage of at least some program code in order toreduce the number of times the code must be retrieved from bulk storageduring execution. As shown, input/output or I/O devices 508A-B(including, but not limited to, keyboards, displays, pointing devices,etc.) are coupled to data processing system 500. I/O devices 508A-B maybe coupled to data processing system 500 directly or indirectly throughintervening I/O controllers (not shown).

In one implementation, a network adapter 510 is coupled to dataprocessing system 500 to enable data processing system 500 to becomecoupled to other data processing systems or remote printers or storagedevices through communication link 512. Communication link 512 can be aprivate or public network. Modems, cable modems, and Ethernet cards arejust a few of the currently available types of network adapters.

Although the present invention has been particularly described withreference to implementations discussed above, various changes,modifications and substitutes are can be made. Accordingly, it will beappreciated that in numerous instances some features of the inventioncan be employed without a corresponding use of other features. Further,variations can be made in the number and arrangement of componentsillustrated in the figures discussed above.

What is claimed is:
 1. A method for conducting a Near FieldCommunication (NFC) payment transaction using an NFC protocol, themethod comprising: maintaining a non-browser based application in amobile device memory, wherein the non-browser based application is amobile operating system platform non-browser based mobile applicationwith a graphical user interface that is preinstalled or downloaded andinstalled on the mobile device, the mobile device comprising the mobiledevice memory, a mobile device display, a mobile device processor, amobile device wireless transceiver that supports voice and datainteractions through a first communication channel, an NFC transceiverconfigured to use the NFC protocol through a second communicationchannel, an NFC processor configured to use the NFC protocol, and asecure element memory, wherein the secure element memory maintains asecure element application configured to use the NFC protocol andmaintains an identification code associated with a user, wherein thesecure element memory, NFC transceiver, and NFC processor are includedin a secure element permanently embedded within a body of the mobiledevice, wherein the graphical user interface includes a graphical icon;executing the secure element application by the NFC processor inresponse to a detection of a near field communication inductive signalfrom an NFC terminal configured to use the NFC protocol; andtransmitting, using the secure element application, via the NFCtransceiver, first transaction information including the identificationcode associated with the user via the second communication channel fromthe secure element memory to the NFC terminal during an NFC inductiveinteraction between the secure element and the NFC terminal, wherein thefirst transaction information including the identification codeassociated with the user is transmitted from the NFC terminal to aremote server that processes the NFC payment transaction using a paymentmethod that corresponds to the identification code associated with theuser, wherein the payment method is maintained at the remote server,wherein the second communication channel is different than the firstcommunication channel; and after the NFC payment transaction has beenprocessed, receiving, at the mobile device, from the remote server overthe first communication channel a digital artifact for display in thegraphical user interface of the non-browser based application.
 2. Themethod of claim 1, wherein the payment method is a credit card, debitcard, or prepaid card.
 3. The method of claim 1, wherein no sensitiveinformation is stored on the mobile device.
 4. The method of claim 3,wherein the sensitive information comprises at least one of informationrelated to the payment method or information related to the expirationdate associated with the payment method.
 5. The method of claim 1,further wherein based on information related to the identification codeassociated with the user, the NFC terminal transmits the identificationcode associated with the user to the remote server for processing theNFC payment transaction using the payment method maintained at theremote server that corresponds to the identification code associatedwith the user.
 6. The method of claim 1, further wherein, the digitalartifact is based on the remote server correlating the identificationcode associated with the user, information related to the paymentmethod, information related to the user, information related to the NFCpayment transaction, and information related to a transaction history ofthe user.
 7. The method of claim 1, further wherein the remote server isconfigured to store a single userID for a plurality of the user's mobiledevices and further wherein the configuration means the remote serverscales.
 8. The method of claim 1, further wherein the non-browser basedapplication generates an alert if it has not received the digitalartifact from the remote server over the first communication channelwithin a certain period of time.
 9. The method of claim 1, furtherwherein the digital artifact comprises an advertisement, receipt,ticket, coupon, media, content, and transaction status.
 10. The methodof claim 1, further wherein upon a condition that the mobile deviceloses connection with a wireless network the non-browser basedapplication monitors for access to the wireless network andautomatically re-connects to the wireless network when the wirelessnetwork is available.
 11. The method of claim 1, further wherein thenon-browser based application sends a request to the remote server toretransmit the digital artifact if it has not received the digitalartifact from the remote server within a certain period of time.
 12. Themethod of claim 1, further wherein the non-browser based applicationreceives the digital artifact through a connection of the mobile deviceto a wireless network; the non-browser based application displays thedigital artifact while the mobile device maintains the connection to thewireless network; and the method further comprises: losing theconnection of the mobile device to the wireless network while thenon-browser based application displays the digital artifact; and afterlosing the connection, continuing to display the digital artifact withinthe non-browser based application.
 13. The method of claim 1, furtherwherein the payment method is maintained at the remote server improvessecurity.
 14. The method of claim 1, further wherein the digitalartifact is stored in the mobile device memory due to improve the mobiledevice performance, mobile device usability, user experience, and userconvenience.
 15. The method of claim 1, further wherein the non-browserbased application is stored in a local mobile device memory during anexecution of the non-browser based application, a bulk storage mobiledevice memory when the non-browser based application is not beingexecuted, and a cache mobile device memory to provide temporary storageof at least some of the non-browser based application in order to reducethe number of times the non-browser based application must be retrievedfrom the bulk storage mobile device memory during the execution.
 16. Amobile device for conducting a Near Field Communication (NFC) paymenttransaction using an NFC protocol, the mobile device comprising: amobile device memory maintaining a non-browser based application,wherein the non-browser based application is a mobile operating systemplatform non-browser based mobile application with a graphical userinterface that is preinstalled or downloaded and installed on the mobiledevice, wherein the graphical user interface includes a graphical icon;a mobile device wireless transceiver that supports voice and datainteractions through a first communication channel; a mobile deviceprocessor that receives from the remote server over the firstcommunication channel a digital artifact for display in the graphicaluser interface of the non-browser based application; a secure elementpermanently embedded within the body of the mobile device comprising: asecure element memory that maintains a secure element applicationconfigured to use the NFC protocol and maintains an identification codeassociated with a user that is executed in response to a detection of anear field communication inductive signal from an NFC terminalconfigured to use the NFC protocol; and an NFC transceiver configured touse the NFC protocol that transmits, the first transaction informationincluding the identification code associated with the user through asecond communication channel to the NFC terminal while using the secureelement application, during an NFC inductive interaction between thesecure element and the NFC terminal, and further wherein the firsttransaction information including the identification code associatedwith the user is transmitted from the NFC terminal to a remote serverwhich processes the NFC payment transaction using a payment method thatcorresponds to the identification code associated with the user; whereinthe payment method is maintained at the remote server, wherein thesecond communication channel is different than the first communicationchannel.
 17. The mobile device of claim 16, wherein the payment methodis a credit card, debit card, or prepaid card.
 18. The mobile device ofclaim 16, wherein no sensitive information is stored on the mobiledevice.
 19. The mobile device of claim 18, wherein the sensitiveinformation comprises at least one of information related to the paymentmethod or information related to the expiration date associated with thepayment method.
 20. The mobile device of claim 16, further wherein basedon information related to the identification code associated with theuser, the NFC terminal transmits the identification code associated withthe user to the remote server for processing the NFC payment transactionusing the payment method maintained at the remote server thatcorresponds to the identification code associated with the user.
 21. Themobile device of claim 16, further wherein, the digital artifact isbased on the remote server correlating the identification codeassociated with the user, information related to the payment method,information related to the user, information related to the NFC paymenttransaction, and information related to a transaction history of theuser.
 22. The mobile device of claim 16, further wherein the remoteserver is configured to store a single userID for a plurality of theuser's mobile devices and further wherein the configuration means theremote server scales.
 23. The mobile device of claim 16, further whereinthe non-browser based application generates an alert if it has notreceived the digital artifact from the remote server over the firstcommunication channel within a certain period of time.
 24. The mobiledevice of claim 16, further wherein the digital artifact comprises anadvertisement, receipt, ticket, coupon, media, content, and transactionstatus.
 25. The mobile device of claim 16, further wherein upon acondition that the mobile device loses connection with a wirelessnetwork the non-browser based application monitors for access to thewireless network and automatically re-connects to the wireless networkwhen the wireless network is available.
 26. The mobile device of claim16further wherein the non-browser based application sends a request tothe remote server to retransmit the digital artifact if it has notreceived the digital artifact from the remote server within a certainperiod of time.
 27. The mobile device of claim 16, further wherein thenon-browser based application receives the digital artifact through aconnection of the mobile device to a wireless network; the non-browserbased application displays the digital artifact while the mobile devicemaintains the connection to the wireless network; and the method furthercomprises: losing the connection of the mobile device to the wirelessnetwork while the non-browser based application displays the digitalartifact; and after losing the connection, continuing to display thedigital artifact within the non-browser based application.
 28. Themobile device of claim 16, further wherein the payment method ismaintained at the remote server improves security.
 29. The mobile deviceof claim 16, further wherein the digital artifact is stored in themobile device memory due to reasons of mobile device performance, mobiledevice usability, user experience, and user convenience.
 30. The mobiledevice of claim 16, further wherein the non-browser based application isstored in a local mobile device memory during an execution of thenon-browser based application, a bulk storage mobile device memory whenthe non-browser based application is not being executed, and a cachemobile device memory to provide temporary storage of at least some ofthe non-browser based application in order to reduce the number of timesthe non-browser based application must be retrieved from the bulkstorage mobile device memory during the execution.